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Humana USAA Honor Giveback with Rx (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana USAA Honor Giveback with Rx (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana USAA Honor Giveback with Rx (PPO) in 2026, please refer to our full plan details page.
This summary reflects 2026 plan information. Where this plan continues in 2027, the full plan details page links to its 2027 benefits and costs.
Humana USAA Honor Giveback with Rx (PPO) is a PPO plan offered by Humana Insurance Company available for the 2026 plan year to people living in Indiana & Ohio. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Humana USAA Honor Giveback with Rx (PPO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Humana USAA Honor Giveback with Rx (PPO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For Humana USAA Honor Giveback with Rx (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $79.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $100.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $350.00 drug deductible that applies only to drugs in certain tiers. You pay this amount toward covered prescriptions in those tiers before the plan's cost sharing begins; drugs in the other tiers are not subject to the deductible. See the full plan details page for the tier table.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $7900.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $7900.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
This plan has a Maximum Out-Of-Pocket cost of $13300.00 (in-network and out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $13300.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
Sign up for Humana USAA Honor Giveback with Rx (PPO)
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Drug Coverage
The Humana USAA Honor Giveback with Rx (PPO) medicare plan features a $350 annual drug deductible. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. Tier 2 generic medications cost as little as no copay for a 3-month supply via preferred mail order, or a $10 copay for a 1-month supply at standard pharmacies. Tier 3 preferred brand drugs require a $47 copay for a 1-month supply across all pharmacy options. For higher-tier prescriptions, Tier 4 non-preferred drugs carry a 50% coinsurance, while Tier 5 specialty medications require a 29% coinsurance for a 1-month supply.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) plan offers comprehensive coverage for essential medical needs, including primary care visits, routine preventive services, and home health care with no copay and no coinsurance. Specialist visits require a $45 copay, while emergency services have a $115 copay, and urgent care is available for a $40 copay with no coinsurance. For hospital stays, inpatient acute care requires a $425 copay for days 1 through 5 and no copay for additional days, with no coinsurance. This plan also features dental, vision, and hearing benefits, including no copay and no coinsurance for routine eye exams, routine hearing exams, and most covered dental services up to a $3,000 annual maximum. Prescription hearing aids are covered with copays ranging from $399 to $999, and durable medical equipment is available with no copay and an 18% coinsurance. Additionally, diagnostic services like lab tests and outpatient X-rays are covered with no copay, helping you minimize your out-of-pocket healthcare expenses.
Inpatient Hospital See details
Humana USAA Honor Giveback with Rx (PPO) offers partially covered inpatient hospital services with no coinsurance, excluding upgrades, non-Medicare-covered stays, and additional psychiatric days. Acute stays require a $425 copay for days 1 through 5 and no copay for days 6 and beyond, while psychiatric stays require a $425 copay for days 1 through 4 and no copay for days 5 through 90.
Outpatient Services See details
Humana USAA Honor Giveback with Rx (PPO) covers outpatient services with no coinsurance, featuring no copays for ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services. Outpatient hospital services have a copay ranging from $0 to $425, while outpatient observation services require a $425 copay per stay with no coinsurance.
Partial Hospitalization See details
Humana USAA Honor Giveback with Rx (PPO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback with Rx (PPO) covers Medicare-covered ground and air ambulance services with a $335 copay and no coinsurance, subject to prior authorization. Although some transportation services are covered, transportation to plan-approved or any health-related locations is not covered under this plan.
Emergency Services See details
Humana USAA Honor Giveback with Rx (PPO) covers emergency services with a $115 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $40 copay and no coinsurance, while worldwide emergency, urgent care, and emergency transportation services are all covered with a $115 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback with Rx (PPO) covers primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits require a $45 copay, physical and occupational therapies range from a $15 to $35 copay, and telehealth ranges from $0 to $45, all with no coinsurance. Chiropractic and podiatry benefits are partially covered, offering routine visits with copays of $15 and $35 to $45 respectively and no coinsurance, though other chiropractic services are not covered.
Preventive Services See details
Preventive services for the Humana USAA Honor Giveback with Rx (PPO) are covered with no copay and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management. Additional preventive services are partially covered, providing memory fitness, smoking cessation, and chemotherapy wigs with no copay or coinsurance, while health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, readmission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, disease management, telemonitoring, remote access, home modifications, and counseling are not covered.
Hearing Services See details
Hearing services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan, featuring no copay or coinsurance for annual routine exams, fitting evaluations, and OTC hearing aids. Medicare-covered exams require a $45 copay and no coinsurance, while prescription hearing aids are partially covered with a $399 to $999 copay and no coinsurance, excluding inner ear, outer ear, and over-the-ear devices.
Vision Services See details
Humana USAA Honor Giveback with Rx (PPO) offers partially covered vision services, including routine eye exams with no copay and no coinsurance up to a $75 annual limit. Eyewear is also partially covered with no copay and no coinsurance up to a $150 yearly limit for contact lenses or eyeglasses, while other eye exams, individual eyeglass lenses, frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback with Rx (PPO) offers partially covered dental services with an annual maximum benefit of $3,000, featuring a $45 copay and no coinsurance for Medicare-covered dental, and no copay and no coinsurance for most other covered services. Fluoride treatments, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
Humana USAA Honor Giveback with Rx (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs feature no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Humana USAA Honor Giveback with Rx (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Humana USAA Honor Giveback with Rx (PPO) covers medical equipment, including durable medical equipment (DME) with an 18% coinsurance and no copay, and prosthetics or medical supplies with a 20% coinsurance and no copay. Diabetic supplies require a 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes or inserts require a $10 copay; prior authorization is required, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback with Rx (PPO) covers diagnostic and radiological services with prior authorization required, offering diagnostic services with no coinsurance, no copay for labs, and a $0 to $105 copay for diagnostic procedures. Diagnostic radiological and outpatient X-ray services have no copay, while therapeutic radiological services require a minimum $45 copay and 20% minimum coinsurance.
Home Health Services See details
Home health services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the Humana USAA Honor Giveback with Rx (PPO) with no coinsurance and a $15 copay, but some services are covered while standard cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback with Rx (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required for these services, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback with Rx (PPO) partially covers other services, including acupuncture with a $45 copay and no coinsurance, as well as over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Some specific other services are not covered, and prior authorization is required for acupuncture and meal benefits.
Plan Providers
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpringSM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.
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1-877-649-2073 / TTY 711. Call-center hours (ET): Mon-Fri 8am-10pm; Sat 9am-8pm; Sun closed.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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